Hi {first_name},

I often here the words "1099" and "W-2" employee thrown around when talking insurance. Those labels are meant for tax purposes - not insurance purposes.

Simply put, if you tell someone what you need them to do and they get injured on the job, you can be held liable regardless of how you classify them.

Real life Situation: Amber is a independent delivery driver for Shipt. She get injured lifting a package because it wasn't labeled "HEAVY". You, as the employer, can be held negligent and be responsible for paying for her medical bills and lost wages.

Are you hiring independent contractors but aren't sure if your workers compensation insurance accounts for them? Click Here to schedule a free review.

Be safe,

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